Richard Jojo

Eon are normally reasonable in their approach.
Over the years I have given them a lot of business and just recently we had the business and our home with them. However I have now been utterly disgusted with the their behaviour in my latest switch in a residential issue. They ended up owing me £265.95 over 6 weeks ago when we made the switch. I phoned up last week regarding this aspect of a refund and was told that I had to wait for 6 weeks after the final Meter readings were given before I got my final bill and then another few weeks before I got my refund. The final Meter reading was given to the Company I switched to and then to Eon on the 15th March this year. I pointed out to them that it had been already 6 weeks and that the people we switched to had confirmed by email that the readings had both gone live in on the 16th March for the Gas reading and the 23rd of March for the Electric Reading. This was spelt out to the awful ill trained young man I was speaking to and I told him that I wanted an immediate final bill and my refund. He said he would then phone me back this was last Wednesday 0n the 24th April. Needless to say no one phoned. I also at the same time lodged a complaint and I have heard nothing back from them about this complaint.

I then tried to phone them and it just it kept ringing out and to be honest I had to give up. I tried to phone again today and when it was answered after 15 minutes the line went dead as I started to speak.

Eon is a joke of a company and they have over the years like BT made money by mistake. They are a default Company that do not give a damn.

I am still owed this money and I have still not received my final bill.

Dishonest Company. Needless to say I am going to the Energy Ombudsman next …..

What a horrible Company Tesco are.
Imagine today I go to the supermarket just to buy food and all I see are thousands of red roses blocking my way.
These greedy charlatans should be banned from selling flowers and they should stick to selling food and improving this.
I can guarantee you all that more than half of these roses will be put into the land fill by this evening.

Why oh why are these people destroying the livelihoods of the thousands of specialist florists up and down our fair land. Why???
Because you the Joe public have stopped thinking about what is your responsibility towards the poor florists who have to put up with ugly face of Stupid management who have no commonsense at the top end of the management structure at Tesco.

Stop selling flowers in your supermarkets and start concentrating on selling food.
Shameless greedy people.

I have just been dealing with a woman in The FOS that would not uphold a very simple Complaint against Call Credit for not amending a file within 48 Hours of being given the evidence that they should do so. Call Credit took over 4 Weeks to amend my file even with the evidence put in front of them in physical form.

Experian & Equifax took 48 Hours to amend my file.
So why would Call Credit not do so?

This corrupt person at the FOS decided that she could not interfere with what can only be described as an incompetent internal procedure of Call Credit.

Therefore by her own admission The FOS should now be disbanded and all those people such as this Lady should be all sacked for their Corrupt adjudications.

The FOS is a complete shambles, they are a contradiction in terms.
They are saying that if I complain about the behaviour of a Financial Institution and it relates to the internal procedures of that Financial Institution, then they will never entertain or uphold your complaint. This basically means that they are themselves a rogue outfit as they can not adjudicate on any thing with this internal procedure of their own.

This means that a rogue Trader having written a Bizarre set of rules that are in his Internal Procedures and then I am duped or been wronged by the this rogue Trader, I have no recourse except to go the small Claims Court for recompense. Because in the words of the woman I dealt with the FOS can not interfere with the internal procedures of another Company even if it is breaking the law or lying as in my case.

Is this in the Spirit of the FOS Remit? I think not.
Caroline Wayman the Chief Ombudsman, should be ashamed of residing over such people she employs. I am afraid that this FOS is a broken Company and simply is money for the boys and girls such as the awful woman I dealt with on Friday the 28th December 2018.

8 Months ago a Stobart 40 foot Truck hit this lamppost outside my Shop and till today the 15-12-2018 nothing has been completed to make this right. I wrote to Amey & Co who are the incompetent outfit that manage the Highways of Trafford Borough

Dear Managers@ Amey & Company
I really do now think that the softly softly and kindly approach to you people is an utter waste of time.
Please take a look at this appalling picture that I have had look at now for 5 weeks. (picture of the sate of paly was sent to them initially 8 months ago)
First of all it took over seven months to come and remove the leaning lamppost that was hit by a Stobart Truck in late April of this year. I have sent numerous emails to our Local Councillor and he has been promised this to be resolved by the end of last week.
The state it has been left with is astoundingly against all Highway regulations for Health & Safety and it is a danger to not only my customers but to everyone. The new Lamppost does not even look as if it is secured and there are electrical wires all over the place.
I was told that you had overlooked this, so far you are continuing to overlook this mess of what I would consider a simple job that should been concluded 6 months ago.
Now we are all stuck with this eyesore for goodness knows how much longer.

How on earth does your management work, who at Trafford MBC appointed such an incompetent and irresponsible outfit like yours.
How can you call yourselves the custodians of our walkways and Highways in Trafford when a simple Lamp post replacement which you are not even paying for (Stobart Paying) takes 8 months and is still not concluded.
I am posting this email on the Trust Pilot and Google as I do want the World to see that we are living as if we are a penniless Borough in poverty.
I am ashamed of having this outside my shop.
Are you waiting for the whole thing to collapse and harm someone innocent?
Get it done by close of play on Monday 17th December 2018 once and for all. Send down all your team before someone is injured.

I will let you all know if Trafford or Amey & Co have acted on my final straw email.

Made a soft Enquiry to these people. Some body called James phoned on the mobile and basically shot down all my hopes in one fell swoop.

Talked absolute nonsense about LTV too low at 70%. Only one lender that does Interest only.

Basically just go to another broker as these people are cherry picking only the ones that are very easy to get through. This James intimated it would take literally several months to even get an offer.

I have to say I have never come across someone that has spoken so much absolute poppycock in my life.

Just make it very clear to this bunch of very presumptuous people they have said in a reply that I had made an application. No application was ever made and nothing has been declined. My review of this awful Company was in the way that they have gone about their business in a such an unprofessional manner. I only made an Enquiry. Please correct yourselves. Especially the man called James.

In reply to your reply.
Let me make it very clear that I had not even been taken into a security check when this oaf of a man called James started spouting total rubbish and non of it about products only about what could not be done. A So as far as advice goes this rude man called James did not even knw what I was about and what I was wanting to do and there was no way I was entering into a meaningless conversation with the likes of you arrogant bunch of people because it seems that you are all the same. Your advertising is a complete lie about how you work. So please once gain listen to what I am telling before your Company goes down the tubes. Just take a very close look at your reviews. Also you have no complaints portal at all on your website for me to make a complaint against the way you MO. Make it clear that you only want Blue chip customers to buy only the products you have the best deal with.

I revisited Iwoca as an option 4 months after being declined for support for my business.
These people are a bunch of sinister nonsensical decision makers. They insist that I would have to wait 6 months and they can not revisit a further application.

Their IT system beggars belief and is not fit for purpose and the people you speak to are timid and frightened of thinking outside the Box.

Our business is probably a safer bet than 50% of the people they lend to so I think this will be most certainly the last I approach such a Draconian institution which purports helping business's in the UK.

Beware all future lenders go somewhere else with a better model for lending.

Do not Bank with Santander Business.
The Business section are clueless especially their Managing Director.

Their systems are out of date and antiquated.

Avoid this Bank at all costs.

I have had a business insurance with these people for over 10 years for our FLORISTRY business. Every year the Insurance went up and to be honest I just went along with it. Which is called trust. I have just renewed my Insurance with another major Insurer for 20% of their latest renewal Quote for an exact cover and Liability. In fact probably a better cover overall.

This represents an overcharge of somewhere in the region of £8,000 to £9,000 over a period of 10 years.

They do not seem interested in talking to me seriously so hence now a review against them.
I don't mind say 10% difference if the service was good but 80 % higher!
Unforgiveable.
The only thing that would fix this if these people actually admitted that they had cheated me so blatantly and returned say half of the estimated overcharge.

I have been in business 20 years with a decent balance sheet.
These people are a symbolic waste of time from the start to the finish. Who do they borrow money to. I have decent credit references a decent business and they still refused me on the basis that 8 months ago I had a late payment on my credit file and everything up to date since.
Idiots and incompetent people especially their so called Manager. My grandson probably has a better understanding of a business and how it works than the whole lot of them put together.
Do not waste your time with these people because that is what they will do ... Waste your time. Your Bankers will be a better bet I promise you.

The way these guys operate is as if everyone they deal with must have a shed load of money in reserve, why?
1. Direct Debits are bounced even before any other banking go's in to cover the shortfall on a given day. So you do not know if an item has been returned until the next day after the deed is done. Their argument is we should always exactly what is going out and make sure that cleared funds are in the day before. We all know as normal business people that if a DD falls on a Saturday or a Sunday it would normally come out again on a Monday and sometimes on a Tuesday. There can be no exact science on this and even though on the day you have cleared funds before even 2-30PM, they will still bounce a DD without you knowing.
2. Their Cheque system is bizarre even if you have enough cleared funds to cover all these before their cut off of 2-30 PM, you have to phone the Bank to make sure they are paid. Example I give a cheque to MR. A on 1st and Mr A decides he is too lazy to go to the Bank, so he puts this cheque in on 8th instead. Again this is not an exact science so what Santander Business Banking says is that you must make sure that all funds are in the day before you know a cheque is hitting the Bank. They simply have little or no Common sense

Do not even ask for an overdraft because you need to be David Beckham to get one.

They are the worst business Bank that I have ever come across in my life.

I have just switched to Santander. The Relationship Manager I dealt with when opening the account said that they had won BEST Business bank.

Since opening I have found out the following:

Cheques that take the account over the arranged limit:
Pay in enough to cover before 3.30 PM.
Then you phone them before 3PM to make sure that the cheque goes through and I am told that this is no guarantee that the cheque will be paid. When I complained about this archaic system I wa stold better not to issue cheques??!!!

Direct Debits
An even worse scenario.
If you do not have enough funds just after Midnight when the Direct Debits are normally being debited than they will not pay them there and then and furthermore they do not even appear on the Online Banking Statements until the next day. So on the day it is not known whether they have been paid or not. Bear in mind that merchant banking does not come in to the account until around 8AM! So would you this a ploy to catch us out and charge £25 each time you forget that the DD is falling on a weekend?

So the result is that you should not have a Direct Debit in place and you should not issue any cheques if you are in business!?

This is a very antiquated Bank and no other Bank no matter how bad a Bank they are operates in such a way.

Do not switch to SANTANDER BUSINESS BANKING it basically impossible not to incur charges with such an inoperable account.

I am trying to open an account.
5 days now ID verified and still nothing. Online to chat with Cora who is useless so I chat with a human. Cora probably better. this Bank closing down everywhere is useless and I know now why they were baled out it is because of the fact that from Up to down they are appalling. I have been reading the reviews and it is eye watering so I will now look elsewhere for a new account. AVOID AVOID AVOID AVOID AVOID AVOID!!!!!

I wasted several days trying to get a very small Rotation loan for our Company. It seems that these people promise the earth and delivered nothing for me on the basis that I have shown some difficulties in the past.
Total lack of common sense in their Credit team. Why do you think I came to you in the first place.
I think they mean well but I see an agenda of Cherry picking coming up in their MO. Do not approach if you have less than a fair credit rating.

Call Credit & Noddle are one and the same.
They are useless.
They are arrogant.
They have been taken over by a USA giant and to be honest they are simply not fit for purpose in any sense of the word.
They have no sense of urgency as everyone else has discovered in their reviews and despite all these negative reviews they continue along their merry arrogant ways thinking they are doing the world a favour.

The best thing that Call Credit & Noddle can do is close down and go into liquidation as they are a parasitic insidious bunch of absolute plebs in every sense of the word.

A horrible Company with no common sense.

Sale Branch, School Road.
On the 20th December I went into the Branch for some Change. and to deposit some money into my account. There was a horrendous Queue of customers and only one person on the till. This in itself is entirely incompetence on the part of this so called Branch Manager, Everyone in the queue was complaining and I mean everyone and that was including myself. The Bank Manager was asking people if she could help them and she was as usual trying to force her staff and the customers to use only the machine to deposit items. Most people in that queue were wanting a face to face till person to deal with and you could see this Manager becoming more and more agitated especially when she was hearing everyone complain about how appalling this Branch was run. I was the loudest of the complainers having experienced this low level of customer Service at her hands on far too many occasions. When she reached me I told her that I wanted change so she took me to front of the queue and opened a till to give me change. I said to her that did she not think that it would be appropriate whilst all her staff were on lunch that she now operated a till to alleviate the waiting of all the customers. In fact when I handed over the cash to her at the till she had just opened she said I think you should use the machine to deposit whilst we are short staffed. She then whilst I was going to the machine saying to me that I was the only person complaining and how dare I complain about HER BANK.
I have to say that this the worst run Bank of any Lloyds I have been in. How on earth has Lloyds sunk to such depths of allowing and ill fitted person to be employed as the ambassador of a branch is ridiculous poor management at the higher levels.
In this Branch, the air conditioning never works, there are constant machine failures, the Bank is generally always filthy in appearance, there is never enough staff on duty and when we do have staff they are all as rude as the Bank Manager

Because of this treatment I decided to lay a complaint at the door of Lloyds Bank.
The Conclusion of my complaint as laid out above and told to me by a Biassed and very rude Complaints Manager from Halifax Bank as follows:
1. The Director of this Region has decided that all his branches shall have less staff and that he was actively asking his employees in all his Branches to encourage customers to use machines instead of the Tills. So it was concluded that this Manager was in fact acting out his orders.
On this basis this part of my Complaint dismissed.
2. This Director coincidentally visited the Branch last Friday, 19th January 2018 and he sat and observed how the staff and management were working and interacting with the Customers. His conclusion after speaking to what I am told a few of the customers visiting that day was hat they had found the Management and all the staff bubbly, helpful and very friendly. Suffice it to say on this basis this part of my Complaint was also dismissed.
3. The Manager of the Branch stated to the Complaints Manager that I was raising my voice and that it was in fact myself that stated that this was my Branch and it was then that they replied that no it was her branch and I had no right to complain. On this very blatant lie which if the CCTV were looked at properly, the so called regional Director would see that this Manager was lying. On this basis this part of my Complaint dismissed.
I can swear on my life that this Manager is not telling the truth at all.

So there you have it complaining in a branch is a total waste of time because in my part of the World customers don't count an Iota to an over ambitious Regional Director and a Manager who is prepared to distort the truth and complaints Manager who was basically talking down to me as if I were a child. I have to take all of this with a pinch of salt because how on earth would I ever get any justice in a situation that is investigated purely as an exercise to protect the Manager.
Lets face as a Branch Manage, off course I am going to be nice to customers when I know my Regional Director is sat there watching me....
Look at the the other reviews before dismissing my complaint.

Attention all Florist that are supplied by Fleurametz.
As you all know there is a points system which should get you rewards according to how many points that you accumulate through your buying experience with Fleurametz.Com

Apparently and according to a Senior Manager that if you are overdue on any payments within the period you trade with them, they will not honour your accumulation of points on the basis that you are a bad payer.

Secondly whatever you do Florists, do not give them a bad Review because they will try and sue you for defamation.

I will state that we no longer have any outstanding amount with Fleurametz and we are relieved that we no longer deal with them in any way. They are no longer on our supply list.
We have been told by the same Senior Manager that we are no longer allowed the points to get a reward that we earnt because we were slow payers to them. This is despite receiving an email every week telling us how many rewards points that we have and that they miss us to this day!

Quoted below from the same Senior Manager email to me: Start of Email
"FlowerPoints
Regarding your Flowerpoints. As stated in the terms and conditions of Flowerpoints, bullet 1.6, you are only able to ‘cash out’ if your account is paid within terms. It would be a bit strange if we would reward customers with Flowerpoints that are not able to keep their account healthy.

Bad Review
I am not sure if you want to go on the route of leaving bad reviews on Google or Trustpilot, as we are prepared to take legal action if it falls into the category of defamation/slander, being a situation where statements are made that not reflect the situation properly. That would be not be a case of going after the ‘smaller companies’ as you would describe it, but merely correcting a wrongfully message and putting the whole case into the right perspective.
I suggest we all just leave it at this, and go our separate ways. We genuinely wish you success in your future endeavours and hope that you find the right partner to suit your business needs.

Kind Regards, Met vriendelijke groet,
The same Senior Manager " End of email

As you can see Mr. Senior Manager everything I have written here is in context regarding the Flowerpoints system and their refusal to honour this reward that we are entitled to because they state we are slow payers or unhealthy payers as he puts it. All this is backed by evidence as per your email.
I think all Florists should know that even if they are one day late on due date payment the FlowerPoints rewards will be Null & Void.


Richard Jojo

I have a policy with Legal & General.
On this Policy I have Emergency Breakdown Cover.
I phoned a lady on the Home Emergency Team at 17-10 on the 15th of December Today explaining to her that my Gas Boiler and Electric Immersion Heater had both broken down.
She asks me how old each one was I told they were both 10 years old exactly. She goes away for about 5 minutes and comes back and says sorry we cant help you because your boiler and Immersion heater are both more than 8 years old.
Well what can I say, why is this not on the policy and furthermore when I took out the insurance why did my broker not ask me about this aspect and indeed why am I paying for an element of the Insurance which is useless to me. The horrible Legal & General are stating that if you have a boiler more than 8 years old you can and freeze because we ain't helping you. I hope that all your staff have broken boilers this Christmas you bunch of Scrooges. You are an horrible Company as are my brokers the Pavey Group for allowing such a third rate insurer to insure me.
I realy feel Cheated

I purchased a Hudl from Stretford Tesco Extra 2 years ago.
The machine has gone completely dead and I contacted the Tesco TECH Support to see what I could do to solve the problem.
I spoke to a Gavin at 12-50 PM on the 30th November, who tells me that they can no longer help me and that there was nothing Tesco would be able to do because they no longer sell these items and they are now discontinued.
I told Gavin that this is completely unacceptable after two years especially that the product is under the Tesco branding. He says that this the way the Industry works. I am astounded that Tesco allow someone like this to destroy their reputation or is that Tesco are nothing more than a greedy Company that basically do not give a damn about their customers and how to help them. Gavin said I should go to a repair shop, making me think that Tesco do not have a repair shop? They sell all those electrical items and they can not repair anything. Tesco you are a joke. All people about to purchase anything electrical from Tesco...THINK TWICE because there is no after sales service at all by the sounds of what Gavin is stating!

I received a letter from BT in July 2017. It states that I had an outstanding amount dating back to 2013 and that they referred the matter to Lowell as their Collection Agency. I investigated this and discovered that I had never received any such mail or notifications from BT regarding this outstanding amount. I know that at the time we had had a tenant in the property and it may well have been he did not pass on any mail to us, I moved back into the property in 2014 and I never ever saw any mail to date and in fact I even opened a new account with BT and they never mentioned anything about this outstanding amount which was below £100. After investigating whether I had paid this or not I decided it had not been paid because BT had not advised me of it. So i paid it in full and thought that was that. But in life that is not such a simple thing especially where BT residential gets involved and the complaints department of BT also has to get involved couple this with the incompetent and corrupt ideas that Lowell have, then you have a recipe for disaster.
Lowell in their infinite wisdom decide that this account was in default and therefore reported it to the Credit Reference Agency Call Credit that the account was in default.
I then asked Lowell to remove this default from credit file on the grounds that this account had not actually been in a default and was no more than an administrative error by BT for not making me aware of the outstanding balance at my house.
Basically BT never reported this as a defaulted account and they never ever issued me with a default Notice.
Lowell have refused to budge on this and are insisting that the account defaulted in 2013 and that they had followed proper procedures. The fact of the matter is that there was never any default on this account at any time because if there was then BT would have reported it to Equifax as appropriate and they never did. Nor did they make any attempt to find to let me know that I had an outstanding balance.
I have asked BT and Lowell for a copy of all this so called correspondence that they fictitiously had sent and so far I have go nothing from them despite several reminders.

Between BT Residential and Lowell Finance Ltd there seems to be an ocean of incompetence and malicious nonsense.
I am reporting the matter to the FOS and I am not holding my breath because the FOS is lately not being fair to the consumer and are pandering to the big boys.

Avoid both these companies especially BT residentials because they are useless.

I received a letter from BT in July 2017. It states that I had an outstanding amount dating back to 2013 and that they referred the matter to Lowell as their Collection Agency. I investigated this and discovered that I had never received any such mail or notifications from BT regarding this outstanding amount. I know that at the time we had had a tenant in the property and it may well have been he did not pass on any mail to us, I moved back into the property in 2014 and I never ever saw any mail to date and in fact I even opened a new account with BT and they never mentioned anything about this outstanding amount which was below £100. After investigating whether I had paid this or not I decided it had not been paid because BT had not advised me of it. So i paid it in full and thought that was that. But in life that is not such a simple thing especially where BT residential gets involved and the complaints department of BT also has to get involved couple this with the incompetent and corrupt ideas that Lowell have, then you have a recipe for disaster.
Lowell in their infinite wisdom decide that this account was in default and therefore reported it to the Credit Reference Agency Call Credit that the account was in default.
I then asked Lowell to remove this default from credit file on the grounds that this account had not actually been in a default and was no more than an administrative error by BT for not making me aware of the outstanding balance at my house.
Basically BT never reported this as a defaulted account and they never ever issued me with a default Notice.
Lowell have refused to budge on this and are insisting that the account defaulted in 2013 and that they had followed proper procedures. The fact of the matter is that there was never any default on this account at any time because if there was then BT would have reported it to Equifax as appropriate and they never did. Nor did they make any attempt to find to let me know that I had an outstanding balance.
I have asked BT and Lowell for a copy of all this so called correspondence that they fictitiously had sent and so far I have go nothing from them despite several reminders.

Between BT Residential and Lowell Finance Ltd there seems to be an ocean of incompetence and malicious nonsense.
I am reporting the matter to the FOS and I am not holding my breath because the FOS is lately not being fair to the consumer and are pandering to the big boys.

Avoid both these companies especially BT residentials because they are useless.